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DrSteveBrule
| Favorite team: | LSU  |
| Location: | Baton Rouge |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 12476 |
| Registered on: | 9/27/2009 |
| Online Status: | Not Online |
Recent Posts
Message
re: RE9 - honest opinion
Posted by DrSteveBrule on 4/15/26 at 2:45 pm to TankBoys32
quote:
I enjoyed RE9 give it a 9/10 but like others said after all the hype I’m surprised we didn’t see Claire, Jill, or Chris at all
We're probably about to see a lot of Claire and Chris at least with the upcoming heavily rumored remakes of Code: Veronica and RE5
Jill is overdue for an appearance
0
re: We still going to deny that Jay missed on a lot of portal guys?
Posted by DrSteveBrule on 4/11/26 at 7:20 am to King of New Orleans
Not denying it, but does it need to be pointed out every waking second?
re: What % of your net take home pay is your mortgage payment?
Posted by DrSteveBrule on 4/9/26 at 12:03 pm to Brobocop
quote:
Do you feel stretched every month?
I don't feel stretched, although I haven't recovered much of my savings yet because this is my first house so I had to buy washer, dryer, refrigerator, master bedroom set, etc. All of the things you need to get when you're transitioning from renter life to homebuyer, In addition to putting a 15% downpayment on the house. Yes, I went under the standard recommendation of 20% because I was eager to get out of my apartment for numerous reasons and I wanted to ensure that I still had a good amount of money in my savings account after all of these appliances and furniture were purchased.
From this point forward, I'm expecting to recover my savings at a decent rate as I don't anticipate any more large purchases for awhile, other that my annual plan of doing a max contribution to my roth IRA. As another posted said, no 2 cases are the same and it definitely matters how much money you're making. It logically follows that if you make more money, you have more disposable income after your house payment is made.
The rule of thumb I used making this decision was actually based on Net pay instead of take home pay. The most common recommendation I saw when watching videos from financial gurus is you shouldn't exceed 25 to 30% of your NET pay, which I definitely meet that guidance.
While that concept didn't make sense to me at first, it makes sense when you consider that if you have a typical career, you are paying for health insurance, other benefits, 401k investments, etc. out of your earned Net pay. You want to make sure that you are still able to utilize these benefits and not have a house payment forcing you to choose between the house and 401k. That is why I did the net pay comparison rather than takehome.
To maybe more simply answer your question, I have not felt one ounce of buyer's remorse since purchasing this house, but I planned it out and I did the math. I assume that most cases of buyer's remorse are due to feeling house poor.
re: What % of your net take home pay is your mortgage payment?
Posted by DrSteveBrule on 4/8/26 at 2:11 pm to Clint Torres
quote:
I’ve found that this percentage matters somewhat less the more you make
Correct, and other factors play in as well. I have no vehicle note and unless my vehicle gets totaled in an accident, I should have it for another 10 years.
The rules of thumb are made for the average American who would be making financial decisions between paying a house note vs. investing into 401k or IRA for example.
re: What % of your net take home pay is your mortgage payment?
Posted by DrSteveBrule on 4/8/26 at 2:01 pm to Brobocop
Exactly 33%. Not exactly the situation I want to be in, but I just got this house a few months ago and it was what I was willing to accept with how high interest rates currently are.
Compared against my NET pay, I am well below any commonly accepted rules of thumb. I haven't changed any of my investments.
33% is inclusive of mortgage, insurance, escrow
Compared against my NET pay, I am well below any commonly accepted rules of thumb. I haven't changed any of my investments.
33% is inclusive of mortgage, insurance, escrow
re: End of Owning your own console
Posted by DrSteveBrule on 4/8/26 at 12:05 pm to MountainDewGF
If a console or a PC was worth the true value that it provides to me and my life, it would be worth like $10 grand every 3 years. I'm a regular middle class guy saying that. I know this affects many people out there but I don't care how much any of these things cost because of how many hours of entertainment I get out of them.
re: B-C’s got some hittin’ fools…
Posted by DrSteveBrule on 4/7/26 at 7:21 pm to turnpiketiger
quote:
No we just suck
False
We suck at playing from a lead.
re: Chris Blair Said We Opened Up a Can
Posted by DrSteveBrule on 4/7/26 at 9:39 am to Sharlo
quote:
Crazy how much his voice sounds like Hawthorn sometimes.
Hate to say it, but I often think this was the only criteria for him getting hired.
re: The moment that changed it all
Posted by DrSteveBrule on 4/5/26 at 5:52 pm to JustinT37
We've had some amazing moments from tennessee regular season games the last couple years
re: It’s hilarious that these two teams are responsible for the last 3 titles
Posted by DrSteveBrule on 4/5/26 at 3:38 pm to Broski
Looks at LSUs lineup vs. last year's lineup. Every single player that we replaced from last year's roster is worse, except possible Dardar at the plate.
re: Trump: Many Iranian military leaders terminated in one strike, Fox says 50+ killed
Posted by DrSteveBrule on 4/5/26 at 11:59 am to hawgfaninc
Again? I had to make sure this post wasn't from a month ago
re: LSU is going to Omaha if Aheer LSU is going to Omaha if Evans and Sheerin are g
Posted by DrSteveBrule on 4/3/26 at 7:52 pm to Sheppards Pie
I have no clue what you said, but frick it, let's ride
re: Southern 6 @ LSU 16 Final
Posted by DrSteveBrule on 3/31/26 at 10:06 pm to DustInTheWind
Pretty good contact from the Tuesday Tomahawk.
re: The dar dar flip may be the season turning point
Posted by DrSteveBrule on 3/29/26 at 3:47 pm to Higgysmalls
quote:
That was more like 20'
25
re: Could this be Jay’s worst team ever
Posted by DrSteveBrule on 3/29/26 at 1:36 pm to BrownTrout
Pretty much every player who replaced a player from last year's team is worse. It sucks to witness, but it's reality, and it happens. The team has a few players that are great, but unfortunately the replacements are just not there yet.
I still believe in this team finding a spark. If they can come out of this weekend 4-4 in the SEC then not all is lost.
I still believe in this team finding a spark. If they can come out of this weekend 4-4 in the SEC then not all is lost.
re: Ron Higgins slept with one eye open last night.. Will Wade is back
Posted by DrSteveBrule on 3/27/26 at 8:59 am to The Boat
When I see Will Wade yell, I feel like there was at one point a fine line between him being either a basketball coach or an IT professional.
re: I wonder if Beth Torina is getting nervous
Posted by DrSteveBrule on 3/26/26 at 2:54 pm to Bayou_Tiger_225
Russell Pool, don't care
re: Will fans actually show up for the games in Nov and Dec
Posted by DrSteveBrule on 3/26/26 at 10:30 am to nicholastiger
We could be playing an exhibition game against a middle school team this upcoming season the first game of the year and the line will be out the door
re: If Wade comes back
Posted by DrSteveBrule on 3/25/26 at 6:45 pm to pgaddxn
You're so badass, teach us
re: Crimson Desert discussion thread - Try to be spoiler free
Posted by DrSteveBrule on 3/20/26 at 11:05 am to Sl0thstronautEsq
My thought on this game, which I said earlier, was to wait until it had been out for a few weeks to see if positive reception holds up.
Watching streamers play it, the game looks like pretty typical open world slop if I'm being honest about it. The combat just does not look interesting to me either.
Hope I'm wrong about it because I would like a new game to sink some time into, but what I'm seeing of people play it so far I think we'll see a dramatic decline in reception for people who are currently enjoying it.
Watching streamers play it, the game looks like pretty typical open world slop if I'm being honest about it. The combat just does not look interesting to me either.
Hope I'm wrong about it because I would like a new game to sink some time into, but what I'm seeing of people play it so far I think we'll see a dramatic decline in reception for people who are currently enjoying it.
re: It's going to be more difficult for Coach Mulkey to keep players from the WNBA.
Posted by DrSteveBrule on 3/19/26 at 12:43 pm to Salviati
I don't know much about WNBA salaries other than 98% of them make less than kindergarten janitors, but I know that that salary cap is 100% a fake arse number that is for show only.
ETA: That new minimum salary... most teams right now apparently operate with 11 roster members. I would imagine that would shrink even further with a minimum salary of 300 grand. There will be even less players who make it longer than 3 days in the WNBA than currently do.
ETA: That new minimum salary... most teams right now apparently operate with 11 roster members. I would imagine that would shrink even further with a minimum salary of 300 grand. There will be even less players who make it longer than 3 days in the WNBA than currently do.
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